Ogden Home LoansFirst Homes, Fixer-Uppers & Investments
Ogden offers some of the area's most attainable homes, which makes it a smart first step into homeownership. The right loan can turn your monthly rent into equity.
- First-time buyer programs
- Renovation & investor loans
- Fast pre-approval
How much do I need down to buy a home in Ogden?
Often less than you think. FHA loans allow 3.5% down with a 580+ credit score (up to $744,050 in Weber County in 2026), qualifying first-time buyers can put 3% down on a conventional loan, and eligible veterans can buy with $0 down. Down payment assistance can cover part of the rest.
Reviewed by Kenny Farshchian, NMLS #1639863Updated
An attainable place to start building equity
Ogden is Weber County's largest city and county seat, home to Weber State University, historic 25th Street and Union Station, with mountain trails right out the door. Its mix of historic homes, bungalows and newer builds makes it one of northern Utah's most attainable markets.
Many Ogden buyers are purchasing their first home, fixing up an older one or adding a rental. We compare FHA, conventional, renovation and investor loans so you know exactly what it takes to get in.
Ogden at a glance
| Detail | Ogden |
|---|---|
| County | Weber County |
| Area | Ogden Area |
| Common ZIP codes | 84401, 84403, 84404, 84405 |
| Public schools | Ogden School District |
| Your loan officer | Kenny Farshchian, NMLS #1639863 · call or text (385) 758-5247 |
ZIP codes and school boundaries don't always follow city lines; confirm a specific address with your agent, the county or the school district.
Loans Ogden buyers use most
First-time buyers, fixer-uppers and investors all find options here.
FHA Loans
3.5% down with a 580+ score, up to $744,050 in Weber County.
Learn moreDown Payment Assistance
Programs that can cover part of your down payment or closing costs.
Learn moreConventional Loans
From 3% down for qualifying first-time buyers.
Learn moreRenovation Loans
Buy an older home and finance the repairs in the same loan.
Learn moreVA Loans
$0 down for eligible veterans and service members.
Learn moreDSCR Investor Loans
Buying a rental? Qualify with the property's rent.
Learn moreWeber County loan limits for 2026
These limits apply to single-family homes. Loans above the conforming limit are jumbo loans.
| Loan type | 2026 limit (1 unit) | What it means |
|---|---|---|
| Conventional (conforming) | $832,750 | Most homes in Weber County fit under this limit. |
| FHA | $744,050 | 3.5% down with a 580+ credit score. |
| VA | No limit with full entitlement | $0 down for eligible veterans and service members. |
| Jumbo | Above $832,750 | Higher-priced homes; stronger credit and reserves. |
Sources: FHFA 2026 conforming limits and HUD 2026 FHA limits. Limits change each January.
What to know before you buy in Ogden
- Ogden City's Own in Ogden program offers a 0% deferred loan, typically $10,000 and more for teachers, city employees, police officers and firefighters, for qualifying buyers within city limits. It has income and price limits.
- Historic and older homes may need updates; a renovation loan can roll repairs into one mortgage.
- Condos and townhomes need project approval for FHA and VA loans; we check before you make an offer.
- Ask the seller to help with closing costs. FHA allows seller contributions of up to 6% of the price.
Three steps to your keys
- 01
Get a real pre-approval
Share your income and assets once. We compare loan options from multiple lenders and tell you exactly what you can afford, usually within 24 to 48 hours.
- 02
Shop with confidence
Make offers in Ogden with a pre-approval letter local agents trust, and a loan officer who answers the phone when your agent calls.
- 03
Close on time
We manage appraisal, underwriting and title, and keep you and your agent updated at every step until you get the keys.
We also serve cities near Ogden
Riverdale
Riverdale sits along the Weber River between Ogden, Roy and South Weber, with the Riverdale Road shopping corridor, quick I-84 and I-15 access and a short drive to Hill Air Force Base.
Learn moreRoy
Roy borders Hill Air Force Base and has its own FrontRunner station, making it one of the most convenient places to live for service members and commuters.
Learn moreSouth Ogden
South Ogden is an established residential city on the bench south of Ogden, with mature neighborhoods, valley views and quick access to US-89 and Weber State University.
Learn moreAll areas we serve
Local guides for cities in Davis, Weber, Salt Lake and Cache counties. We're licensed throughout Utah.
Learn moreOgden Home Loan Questions
Own in Ogden is Ogden City's down payment assistance program: a 0% interest, deferred-payment loan, typically $10,000 and more for teachers, city employees, police officers and firefighters, for qualifying buyers purchasing a primary residence in Ogden. It has income and purchase-price limits, so check current terms or ask us.
Ogden is in Weber County, where the 2026 single-family limits are $832,750 for conventional loans and $744,050 for FHA loans. VA loans have no limit for borrowers with full entitlement, and loans above $832,750 are jumbo loans.
Yes. FHA allows 3.5% down on a two- to four-unit property if you live in one of the units, with higher limits than for a single-family home in Weber County. Projected rent from the other units can help you qualify.
Yes. We're a mortgage broker based in Layton, serving Ogden and communities across Weber County. You can meet us in person, work by phone or video, and apply securely online.
Ready to buy in Ogden?
Get a pre-approval you can count on and a local broker who answers the phone. No pressure, no obligation.